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Certified Financial Planning CE

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Course Title Hours Price

Course Description

In this course we do not intend to create a complex, philosophical, intellectual debate on current ethical considerations. Rather, we will present a practical discussion of business ethics with specific examples taken from the insurance industry. The course addresses the complexities of ethical decision making in today’s insurance environment. It suggests ways for insurance producers to establish ethics in the work place and thereby take a step toward reducing the possibility of questionable practices and wrongdoing.

LEARNING OBJECTIVES:

  • Learn the basic concepts of ethics.
  • Learn about professionalism and ethical standards.
  • Learn to differentiate between ethics and values.
  • Define what is meant by conflict of interest.
  • Define the steps involved in ethical decision making
  • Learn the intricacies of the insurance product
  • Understand the responsibilities if an insurance professional
  • Learn about the disclosures involved in policy illustrations
  • Understand the standards of consumer protection in the insurance industry
  • Understand the various regulations of insurance trade practices

Topics Covered

  • Introduction
  • LESSON 1: Introduction
  • LESSON 2 : Role of Ethics
  • LESSON 3: Ethics Vs. Values
  • LESSON 4: Resolving Ethical Dilemmas
  • LESSON 5: Ethical Decision Making
  • LESSON 6: Nature of the Insurance Product
  • LESSON 7: The Insurance Professional
  • LESSON 8: Insurance Regulation
  • LESSON 9: Policy Illustrations
  • LESSON 10: Consumer Protection in the Insurance Industry
  • LESSON 11: Regulation of Insurance Trade Practices

REGULATORY REQUIREMENT:
Please see the state/regulatory requirement from the course catalog page.

SEAT TIME:
This course has been approved for 2.5 hours.

TESTING:
Final Exam – You will be required to pass the final exam with a 70% in order to receive course credit.

COURSE COMPLETION:
Upon successful completion of this course you will be able to print your certificate online.

ABOUT THE SUBJECT MATTER EXPERT:

EMMERT C. DAUGARD, M.A. CLU ChFC HIA MHP PAHM RHU REBC LIC

An accomplished speaker/trainer who has developed and taught many public insurance continuing education courses. Since 1988, designed and taught courses to over 25,000 insurance professionals. Held the insurance positions of agent/broker, manager, and corporate senior vice – president. Licensed for over 20 years in both property/casualty and life/health.

EXPERIENCE.

Director, Center for Continuing Education, Austin, Texas
Manager/Senior Vice – President, Sales/Marketing, Sheshunoff & Company, Austin, Texas
Vice President, Sales, Hawkeye Insurance Services, Des Moines, Iowa
District Manager, Farmers Insurance Group, California & Iowa.

EDUCATION AND LICENSES:
Masters Of Arts, Business And Administration, Columbia Pacific University
Bachelor of Science, Mankato State University
Chartered Life Underwriter & Chartered Financial Counselor Designations
Registered Health Underwriter & Registered Employee Benefits Counselor.

2.5 $25

Course Description

This course focuses on are the proper methods of holding legal title to property during your life, and passing your estate on to your heirs in a manner and timing of your choosing, all with minimum taxes and intervention by the legal system. It begins with a consideration of the estate planning process and the documents of transfer. The course then addresses the unified transfer tax system and the calculation of an individual’s estate tax liability. Estate planning techniques such as trusts, marital and charitable deduction vehicles, and intra – family business and property transfers are then discussed. The course ends with a consideration of post – mortem tax planning.

Learning Objectives

  • Outlines the need for and the elements of the estate planning process.
  • Establishes estate planning strategies.
  • Overview of the Federal Gift tax system.
  • Introduces gross estate and valuation techniques.
  • Explains the purpose and function of the Federal Estate Tax.
  • Explain the purpose and function of trusts.
  • Outlines marital deduction planning.
  • Outlines charitable deduction planning.
  • Addresses estate planning issues for business owners.
  • Outlines post – mortem estate planning.

Topics Covered

  • Introduction
  • LESSON 1: The Estate Planning Process And Documents Of Transfer
  • LESSON 2 : Unified Transfer Tax System And Generation Skipping Transfer Tax (GSTT)
  • LESSON 3: Gifts And Federal Gift Taxation
  • LESSON 4: The Gross Estate And Valuation Techniques
  • LESSON 5: Calculation Of Federal Estate Tax Liability
  • LESSON 6: Trusts
  • LESSON 7: Marital Deduction Planning
  • LESSON 8: Charitable Deduction Planning
  • LESSON 9: Intra – Family Business And Property Transfers
  • LESSON 10 Tax Planning for Estates of Varying Sizes
  • LESSON 11: Post – Mortem Estate Planning
  • LESSON 12: Conclusion

REGULATORY REQUIREMENT:
Please see the state/regulatory requirement from the course catalog page.

SEAT TIME:
This course has been approved for 5 hours.

TESTING:
Final Exam – You will be required to pass the final exam with a 70% in order to receive course credit.

COURSE COMPLETION:
Upon successful completion of this course you will be able to print your certificate online.

ABOUT THE SUBJECT MATTER EXPERT:
This course is created and brought to you by 360Training, a leading provider of accredited e – learning courses to working professionals through today’s leading schools, associations and corporations. 360Training’s high quality e – learning courses assist thousands of working professionals each month in a wide range of disciplines to succeed in today’s marketplace, renew licenses, acquire certification or prepare for a new profession.

This course was created by the instructional design staff of 360Training in connection with field professionals that bring many years of experience in adult educational theory and distance learning technology to make the process of certification, compliance and training as convenient, engaging, and cost – effective as possible.

If you have any requests for technical or instructional support, please contact the 360Training Support Department located in the HELP section of your account profile. Technical support inquiries are handled immediately and instructional support questions are returned within 24 business hours with answers provided by a qualified professional in your field through our network of subject matter experts.

5 $17.5

Course Description

This course focuses on are the proper methods of holding legal title to property during your life, and passing your estate on to your heirs in a manner and timing of your choosing, all with minimum taxes and intervention by the legal system. It begins with a consideration of the estate planning process and the documents of transfer. The course then addresses the unified transfer tax system and the calculation of an individual’s estate tax liability. Estate planning techniques such as trusts, marital and charitable deduction vehicles, and intra – family business and property transfers are then discussed. The course ends with a consideration of post – mortem tax planning.

Learning Objectives

  • Outlines the need for and the elements of the estate planning process.
  • Establishes estate planning strategies.
  • Overview of the Federal Gift tax system.
  • Introduces gross estate and valuation techniques.
  • Explains the purpose and function of the Federal Estate Tax.
  • Explain the purpose and function of trusts.
  • Outlines marital deduction planning.
  • Outlines charitable deduction planning.
  • Addresses estate planning issues for business owners.
  • Outlines post – mortem estate planning.

Topics Covered

  • Introduction
  • LESSON 1: The Estate Planning Process And Documents Of Transfer
  • LESSON 2 : Unified Transfer Tax System And Generation Skipping Transfer Tax (GSTT)
  • LESSON 3: Gifts And Federal Gift Taxation
  • LESSON 4: The Gross Estate And Valuation Techniques
  • LESSON 5: Calculation Of Federal Estate Tax Liability
  • LESSON 6: Trusts
  • LESSON 7: Marital Deduction Planning
  • LESSON 8: Charitable Deduction Planning
  • LESSON 9: Intra – Family Business And Property Transfers
  • LESSON 10 Tax Planning for Estates of Varying Sizes
  • LESSON 11: Post – Mortem Estate Planning
  • LESSON 12: Conclusion

REGULATORY REQUIREMENT:
Please see the state/regulatory requirement from the course catalog page.

SEAT TIME:
This course has been approved for 5 hours.

TESTING:
Final Exam – You will be required to pass the final exam with a 70% in order to receive course credit.

COURSE COMPLETION:
Upon successful completion of this course you will be able to print your certificate online.

ABOUT THE SUBJECT MATTER EXPERT:
This course is created and brought to you by 360Training, a leading provider of accredited e – learning courses to working professionals through today’s leading schools, associations and corporations. 360Training’s high quality e – learning courses assist thousands of working professionals each month in a wide range of disciplines to succeed in today’s marketplace, renew licenses, acquire certification or prepare for a new profession.

This course was created by the instructional design staff of 360Training in connection with field professionals that bring many years of experience in adult educational theory and distance learning technology to make the process of certification, compliance and training as convenient, engaging, and cost – effective as possible.

If you have any requests for technical or instructional support, please contact the 360Training Support Department located in the HELP section of your account profile. Technical support inquiries are handled immediately and instructional support questions are returned within 24 business hours with answers provided by a qualified professional in your field through our network of subject matter experts.

5 $17.5

Course Description

Financial institutions are at the forefront of the battle against the money launderers. It is not only their institutions that the money launderers target to use in their various nefarious schemes but under current legislation they are responsible for policing the financial dealings and reporting any suspicious transactions. This course will dwell upon the new regulatory environment of the securities industry vis a vis money laundering, specifically the USA Patriot Act 2001. The course aims to highlight the key aspects of the USA Patriot Act namely, Suspicious Activity Reporting (SAR) and Know your Customer (KYC).

Learning Objectives

  • Understand the scope and effect of Money Laundering.
  • Understand the Process and Methodology of Money Laundering.
  • The impact of money laundering on the Operations and responsibilities of Financial Institutions.
  • The regulatory environment vis a vis Money Laundering for the securities industry.
  • The establishment of the Anti Money Laundering Program for securities firms.

Topics Covered

  • Introduction
  • LESSON 1: Money Laundering Defined
  • LESSON 2: Effects of Money Laundering
  • LESSON 3: Federal Money Laundering Laws for Securities Firms
  • LESSON 4: The USA Patriot Act

REGULATORY REQUIREMENT:
Please see the state/regulatory requirement from the course catalog page.

SEAT TIME:
This course has been approved for 2 hour.

TESTING:
Final Exam – You will be required to pass the final exam with a 70% to receive course credit.

COURSE COMPLETION:
Upon successful completion of this course you will be able to print your certificate online.

ABOUT THE SUBJECT MATTER EXPERT:
Les Carter

Les was an executive in the financial services industry who has served as a President of a commercial bank, and as an Executive Vice President of a special servicing company. He has 20 years of commercial and mortgage banking experience including starting four companies: a commercial bank, a consulting company, a loan servicing company, and a consumer collection agency.

Most recently, before joining 360Training, Les was an Executive Vice President of The Ontra Companies in Austin, TX, a nationally recognized holding company with interests in special servicing and loan originations.
.

2 $10

Course Description

Financial institutions are at the forefront of the battle against the money launderers. It is not only their institutions that the money launderers target to use in their various nefarious schemes but under current legislation they are responsible for policing the financial dealings and reporting any suspicious transactions. This course will dwell upon the new regulatory environment of the securities industry vis a vis money laundering, specifically the USA Patriot Act 2001. The course aims to highlight the key aspects of the USA Patriot Act namely, Suspicious Activity Reporting (SAR) and Know your Customer (KYC).

Learning Objectives

  • Understand the scope and effect of Money Laundering.
  • Understand the Process and Methodology of Money Laundering.
  • The impact of money laundering on the Operations and responsibilities of Financial Institutions.
  • The regulatory environment vis a vis Money Laundering for the securities industry.
  • The establishment of the Anti Money Laundering Program for securities firms.

Topics Covered

  • Introduction
  • LESSON 1: Money Laundering Defined
  • LESSON 2: Effects of Money Laundering
  • LESSON 3: Federal Money Laundering Laws for Securities Firms
  • LESSON 4: The USA Patriot Act

REGULATORY REQUIREMENT:
Please see the state/regulatory requirement from the course catalog page.

SEAT TIME:
This course has been approved for 2 hour.

TESTING:
Final Exam – You will be required to pass the final exam with a 70% to receive course credit.

COURSE COMPLETION:
Upon successful completion of this course you will be able to print your certificate online.

ABOUT THE SUBJECT MATTER EXPERT:
Les Carter

Les was an executive in the financial services industry who has served as a President of a commercial bank, and as an Executive Vice President of a special servicing company. He has 20 years of commercial and mortgage banking experience including starting four companies: a commercial bank, a consulting company, a loan servicing company, and a consumer collection agency.

Most recently, before joining 360Training, Les was an Executive Vice President of The Ontra Companies in Austin, TX, a nationally recognized holding company with interests in special servicing and loan originations.
.

2 $10

Course Description

As the Baby Boomer generation reaches retirement age, the issue of how to prepare and safeguard that retirement is becoming an increasingly important topic in the insurance and financial industries. Clients planning for their retirement future often turn to annuities as a source of income and funding. This course explores the function of annuities as investment instruments, the characteristics of fixed and variable annuities, and the benefits and options available with both varieties.

LEARNING OBJECTIVES:

  • Define the uses and purpose of an annuity.
  • Recognize the investment function of an annuity.
  • Discern the difference between an annuity and a retirement plan.
  • Understand the differences between fixed and variable annuities, and the characteristics that distinguish them.
  • Be familiar with settlement/payout options.
  • Identify the benefits associated with annuities.
    .

    Topics Covered

    • Introduction
    • LESSON 1: Annuities – Fundamentals
    • LESSON 2: Fixed Annuities
    • LESSON 3: Variable Annuities

    REGULATORY REQUIREMENT:
    Please see the state/regulatory requirement from the course catalog page.

    SEAT TIME:
    This course has been approved for 5 hours.

    TESTING:
    Final Exam – You will be required to pass the final exam with a 70% in order to receive course credit.

    COURSE COMPLETION:
    Upon successful completion of this course you will be able to print your certificate online.

    ABOUT THE SUBJECT MATTER EXPERT:
    American Academy of Financial Training Inc. (AAFT), provides outstanding customized training, globally, on a broad mix of financial and banking topics. Our instructors are top practitioners in their respective fields and present information in a captivating, energized, highly interactive style. AAFT experts are also available for consulting and online course development projects. For additional information, log onto our website at www.aaft.net.
    .

  • 5 $15

    Course Description

    The 2 – hour course will examine how the 401(k) retirement plan works, and then takes the student through some of the contemporary and upcoming amendments, policies, and plans that will shape the future of the working class, and how they save for retirement.

    Learning Objectives

  • Understand the present and future of the 401(k), and similar retirement plans
  • Appreciate the advantages of such plans for ordinary people whose future would otherwise be insecure
  • Weigh the disadvantages of 401(k) retirement plans
  • Identify ways to invent and grow your 401(k) investment.

    Topics Covered

    • LESSON 1: BASICS OF 401(k) PLANS
    • LESSON 2: BENEFITS AND DRAWBACKS
    • LESSON 3: LEGAL REQUIREMENTS
    • LESSON 4: PLAN FUNDING
    • LESSON 5: DISTRIBUTIONS
    • LESSON 6: TAXES AND YOUR 401(K) ACCOUNT
    • LESSON 7: 401(K) INVESTING

    REGULATORY REQUIREMENT:
    Please see the state/regulatory requirement from the course catalog page.

    SEAT TIME:
    This course has been approved for 3 hour.

    TESTING:
    Final Exam: You will be required to pass the final exam with a 70% in order to receive course credit.

    COURSE COMPLETION:
    Upon successful completion of this course you will be able to print your certificate online.

    ABOUT THE SUBJECT MATTER EXPERT:
    Established in 1984, MGL provides full service Registration and Compliance services to broker/dealers and investment advisors. Services include: NASD, SEC, NFA, CFTC and multi – state Registration and Renewal services; preparation of Supervisory Procedures; Business Plans; Continuing Education services; Compliance Meetings; Financial Reporting; and Compliance Examinations. For RIA firms, we provide SEC and state registration/renewal services, Form ADV disclosures, Advisory Agreements, Supervisory Procedures, and Compliance Examinations. Leaders in Registration and Compliance, we go Above and Beyond.

  • 2 $10

    Course Description

    The 2 – hour course will examine how the 401(k) retirement plan works, and then takes the student through some of the contemporary and upcoming amendments, policies, and plans that will shape the future of the working class, and how they save for retirement.

    Learning Objectives

  • Understand the present and future of the 401(k), and similar retirement plans
  • Appreciate the advantages of such plans for ordinary people whose future would otherwise be insecure
  • Weigh the disadvantages of 401(k) retirement plans
  • Identify ways to invent and grow your 401(k) investment.

    Topics Covered

    • LESSON 1: BASICS OF 401(k) PLANS
    • LESSON 2: BENEFITS AND DRAWBACKS
    • LESSON 3: LEGAL REQUIREMENTS
    • LESSON 4: PLAN FUNDING
    • LESSON 5: DISTRIBUTIONS
    • LESSON 6: TAXES AND YOUR 401(K) ACCOUNT
    • LESSON 7: 401(K) INVESTING

    REGULATORY REQUIREMENT:
    Please see the state/regulatory requirement from the course catalog page.

    SEAT TIME:
    This course has been approved for 3 hour.

    TESTING:
    Final Exam: You will be required to pass the final exam with a 70% in order to receive course credit.

    COURSE COMPLETION:
    Upon successful completion of this course you will be able to print your certificate online.

    ABOUT THE SUBJECT MATTER EXPERT:
    Established in 1984, MGL provides full service Registration and Compliance services to broker/dealers and investment advisors. Services include: NASD, SEC, NFA, CFTC and multi – state Registration and Renewal services; preparation of Supervisory Procedures; Business Plans; Continuing Education services; Compliance Meetings; Financial Reporting; and Compliance Examinations. For RIA firms, we provide SEC and state registration/renewal services, Form ADV disclosures, Advisory Agreements, Supervisory Procedures, and Compliance Examinations. Leaders in Registration and Compliance, we go Above and Beyond.

  • 2 $10

    Course Title:
    Wills and Trusts

    Course Description

    This course is a concise and practical guide to what every insurance professional should know about the law of Wills and Trusts – as well as a range of other matters – while advising others. Before and during the design of a client’s estate plan, the professional can provide value as part of the advisor team. In a great many scenarios, life insurance products can play a critical role in assuring the financial security the client is looking for. It is the professional’s job and duty to how explain how and why. Getting to a trusted position where that is possible, however, is the challenge. This course is based on real questions, concerns and issues encountered over many years, among people at all economic levels, from modest to quite substantial. There is no better way to build trust, confidence and respect than becoming a source of knowledge on the topics and issues presented here. There is an unfortunate, widespread misconception that wills, trusts and estate planning are subjects of interest only to the wealthy. In fact, an estate plan provides the legal mechanism for disposing of property upon death in a way that recognizes wishes and the needs of one’s survivors, while minimizing taxes. Too often, however, estate planning is equated with just estate tax planning. Professionals should be sensitive to personal, non – financial issues that are usually of a higher priority. For many, estate planning involves, even more importantly, planning for the handling of affairs in case of disability, and the deeply personal medical choices to be made as life nears its end. Estate planning is not just for rich people. Wills and Trusts are just tools in a larger process. You must be careful not to give legal advice, of course. But you can provide a great service simply by explaining, in general terms, how “the moving parts” work together.

    Learning Objectives

    • Learn the various methods of disposition of property, with or without a will.
    • Learn what the consequences are when one dies intestate.
    • Be familiarized with the format of a valid will.
    • Know the intricacies of the probate process.
    • Learn the duties associated with the role of an Executor.
    • Be familiarized with the concept of a trust and its variations.
    • Know the advantages and disadvantages of a simple, living trust.
    • Learn about the ways of disposing property outside of probate.
    • Knowledgeable about the various tax issues.
    • Be conversant with ways to use life insurance in estate planning.

    Topics Covered

    • Introduction
    • LESSON 1: The Disposition Of Property, With Or Without A Will
    • LESSON 2: The Probate Process
    • LESSON 3: Trust Basics
    • LESSON 4: The Simple Living Trust
    • LESSON 5: Comparing Simple Living Trusts And Wills
    • LESSON 6: Disposition Of Property Outside Probate
    • LESSON 7: Tax Issues
    • LESSON 8: Other Elements Of The Estate Plan
    • LESSON 9: Using Life Insurance In Estate Planning
    • LESSON 10: Specialized Trusts And Estate Planning Tools

    REGULATORY REQUIREMENT:
    Please see the state/regulatory requirement from the course catalog page.

    SEAT TIME:
    This course has been approved for 3 hours.

    COURSE PRE – REQUISITE:
    N/A.

    TESTING:
    Final Exam – You will be required to pass the final exam with a 70% in order to receive course credit.

    COURSE COMPLETION:
    Upon successful completion of this course you will be able to print your certificate online.

    ABOUT THE SUBJECT MATTER EXPERT:

    MICHAEL T. PALERMO, JD, CFP

    MICHAEL T. PALERMO, JD, CFP, is an attorney in Lexington, Kentucky. He is an expert in estate and financial planning, and maintains the highly regarded website, “Crash Course in Wills & Trusts” (www.mtpalermo.com). Mike has contributed often to online publications such as CBS MarketWatch.com and the Wall Street Journal Online, and is frequently quoted in online and print publications.

    3 $15

    State Approval Number
    42593.

    LICENSE CATEGORY
    L&.

    APPROVED CE HOURS
    4 Hour.

    PRICE
    $20.00.

    Course Description
    As the Baby Boomer generation reaches retirement age, the issue of how to prepare and safeguard that retirement is becoming an increasingly important topic in the insurance and financial industries. Clients planning for their retirement future often turn to annuities as a source of income and funding. This course explores the function of annuities as investment instruments, the characteristics of fixed and variable annuities, and the benefits and options available with both varieties.

    Topics Covered

    Introduction
    LESSON 1: Annuities ? Fundamentals
    LESSON 2: Fixed Annuities
    LESSON 3: Variable Annuities .

    LEARNING OBJECTIVES
    Define the uses and purpose of an annuity.
    Recognize the investment function of an annuity.
    Discern the difference between an annuity and a retirement plan.
    Understand the differences between fixed and variable annuities, and the characteristics that distinguish them.
    Be familiar with settlement/payout options.
    Identify the benefits associated with annuities.

    SUBJECT MATTER EXPERT
    American Academy of Financial Training Inc. (AAFT), provides outstanding customized training, globally, on a broad mix of financial and banking topics. Our instructors are top practitioners in their respective fields and present information in a captivating, energized, highly interactive style. AAFT experts are also available for consulting and online course development projects. For additional information, log onto our website at www.aaft.net.

    COURSE ACCESS
    The course will be accessible 24/7 with around the clock technical support available.

    COURSE AVAILABILITY
    The course will be available until completion of the final examination.

    TESTING REQUIREMENTS
    Testing will consist of lesson quizzes and one final examination.
    You will need to pass the examination with a 70% in order to receive course credit.

    CERTIFICATE AVAILABILITY
    Your certificate will be immediately available online following successful course completion.

    3 $15

    Course Title:
    Wills and Trusts

    Course Description

    This course is a concise and practical guide to what every insurance professional should know about the law of Wills and Trusts – as well as a range of other matters – while advising others. Before and during the design of a client’s estate plan, the professional can provide value as part of the advisor team. In a great many scenarios, life insurance products can play a critical role in assuring the financial security the client is looking for. It is the professional’s job and duty to how explain how and why. Getting to a trusted position where that is possible, however, is the challenge. This course is based on real questions, concerns and issues encountered over many years, among people at all economic levels, from modest to quite substantial. There is no better way to build trust, confidence and respect than becoming a source of knowledge on the topics and issues presented here. There is an unfortunate, widespread misconception that wills, trusts and estate planning are subjects of interest only to the wealthy. In fact, an estate plan provides the legal mechanism for disposing of property upon death in a way that recognizes wishes and the needs of one’s survivors, while minimizing taxes. Too often, however, estate planning is equated with just estate tax planning. Professionals should be sensitive to personal, non – financial issues that are usually of a higher priority. For many, estate planning involves, even more importantly, planning for the handling of affairs in case of disability, and the deeply personal medical choices to be made as life nears its end. Estate planning is not just for rich people. Wills and Trusts are just tools in a larger process. You must be careful not to give legal advice, of course. But you can provide a great service simply by explaining, in general terms, how “the moving parts” work together.

    Learning Objectives

    • Learn the various methods of disposition of property, with or without a will.
    • Learn what the consequences are when one dies intestate.
    • Be familiarized with the format of a valid will.
    • Know the intricacies of the probate process.
    • Learn the duties associated with the role of an Executor.
    • Be familiarized with the concept of a trust and its variations.
    • Know the advantages and disadvantages of a simple, living trust.
    • Learn about the ways of disposing property outside of probate.
    • Knowledgeable about the various tax issues.
    • Be conversant with ways to use life insurance in estate planning.

    Topics Covered

    • Introduction
    • LESSON 1: The Disposition Of Property, With Or Without A Will
    • LESSON 2: The Probate Process
    • LESSON 3: Trust Basics
    • LESSON 4: The Simple Living Trust
    • LESSON 5: Comparing Simple Living Trusts And Wills
    • LESSON 6: Disposition Of Property Outside Probate
    • LESSON 7: Tax Issues
    • LESSON 8: Other Elements Of The Estate Plan
    • LESSON 9: Using Life Insurance In Estate Planning
    • LESSON 10: Specialized Trusts And Estate Planning Tools

    REGULATORY REQUIREMENT:
    Please see the state/regulatory requirement from the course catalog page.

    SEAT TIME:
    This course has been approved for 3 hours.

    COURSE PRE – REQUISITE:
    N/A.

    TESTING:
    Final Exam – You will be required to pass the final exam with a 70% in order to receive course credit.

    COURSE COMPLETION:
    Upon successful completion of this course you will be able to print your certificate online.

    ABOUT THE SUBJECT MATTER EXPERT:

    MICHAEL T. PALERMO, JD, CFP

    MICHAEL T. PALERMO, JD, CFP, is an attorney in Lexington, Kentucky. He is an expert in estate and financial planning, and maintains the highly regarded website, “Crash Course in Wills & Trusts” (www.mtpalermo.com). Mike has contributed often to online publications such as CBS MarketWatch.com and the Wall Street Journal Online, and is frequently quoted in online and print publications.

    3 $15

    Course Description

    This course provides a general overview of insurance principles, beginning with frequently used terms and their definitions as used in the industry. As the course develops, it illustrates the insurance process and its need, and then grows into a manual of sorts, guiding the reader through the various mechanics, the type of insurance products available, and the applicability in different situations, illustrating with examples wherever possible.

    Learning Objectives

    • Differentiate between insurance, insured and insurer.
    • Define and understand the concept of premium.
    • The similarities between risk transfer mechanisms and insurance.
    • Understand key concepts/terms used in relation to insurance.
    • Understand the need for insurance.
    • Understand the various types of insurance available.
    • Understand the mechanics of insurance.
    • Understand the role of insurance agents
    • Understand the mechanics of Life Insurance, its need and importance.
    • Understand the application process.
    • Understand the policy clauses.
    • Differentiate between the various types of insurance companies.
    • Understand the concepts of Whole Life Insurance, Joint Life Insurance etc.
    • Identify the various types of Permanent Insurance.
    • Compare Term and Permanent Insurance.
    • Distinguish between various Policy Variations.
    • Learn the mechanics of filing claims, receipt of proceeds.
    • Understand the need for, and the mechanics of, Insurance Underwriting.

      T
      OPICS COVERED: .

    • Introduction
    • LESSON 1: INSURANCE – Basics
    • LESSON 2 : LIFE INSURANCE
    • LESSON 3: HEALTH INSURANCE
    • LESSON 4: LONG – TERM CARE INSURANCE
    • LESSON 5: DISABILITY INSURANCE
    • LESSON 6: PROPERTY AND CASUALTY
      INSURANCE/HOMEOWNER INSURANCE
    • LESSON 7: PERSONAL PROPERTY INSURANCE
    • LESSON 8: FIRE INSURANCE
    • LESSON 9: AUTOMOBILE INSURANCE
    • LESSON 10: INSURANCE FRAUD
    • LESSON 11: GROUP INSURANCE
    • LESSON 12: COMMERCIAL GENERAL LIABILITY
    • LESSON 13: PRINCIPLES OF RISK MANAGEMENT
    • LESSON 14: PRINCIPLES OF REINSURANCE

    REGULATORY REQUIREMENT:
    Please see the state/regulatory requirement from the course catalog page.

    SEAT TIME:
    This course has been approved for 7 hours.

    TESTING:
    Final Exam – You will be required to pass the final exam with a 70% in order to receive course credit.

    COURSE COMPLETION:
    Upon successful completion of this course you will be able to print your certificate online.

    ABOUT THE SUBJECT MATTER EXPERT:

    EMMERT C. DAUGARD, M.A. CLU ChFC HIA MHP PAHM RHU REBC LIC

    An accomplished speaker/trainer who has developed and taught many public insurance continuing education courses. Since 1988, designed and taught courses to over 25,000 insurance professionals. Held the insurance positions of agent/broker, manager, and corporate senior vice – president. Licensed for over 20 years in both property/casualty and life/health.

    EXPERIENCE.

    Director, Center for Continuing Education, Austin, Texas
    Manager/Senior Vice – President, Sales/Marketing, Sheshunoff & Company, Austin, Texas
    Vice President, Sales, Hawkeye Insurance Services, Des Moines, Iowa
    District Manager, Farmers Insurance Group, California & Iowa.

    EDUCATION AND LICENSES:
    Masters Of Arts, Business And Administration, Columbia Pacific University
    Bachelor of Science, Mankato State University
    Chartered Life Underwriter & Chartered Financial Counselor Designations
    Registered Health Underwriter & Registered Employee Benefits Counselor.

    7 $47.5

    Course Description

    As a new employee to the insurance industry you may find yourself overwhelmed with understanding the components of the industry and the terminology being used around you. This course will provide you with an understanding of the general make up of the industry and the terminology in order for you to do your job well.

    Learning Objectives

    • Learn the basic concepts of insurance
    • Learn insurance terms
    • Define who needs insurance
    • See how an insurance agency is organized
    • Learn about continuing education, errors & omissions
    • Define what makes a valuable employee and explore future career opportunities
    • Obtain valuable insurance resource information

    Topics Covered

    • Introduction
    • LESSON 1: Purpose of Insurance
    • LESSON 2 : Independent Insurance Agency System
    • LESSON 3: You and Your Agency
    • LESSON 4: Being an Insurance Professional Part 1
    • LESSON 5: Being an Insurance Professional Part 2
    • LESSON 6: Continuing Education

    REGULATORY REQUIREMENT:
    Please see the state/regulatory requirement from the course catalog page.

    SEAT TIME:
    This course has been approved for 1 hour.

    TESTING:
    Final Exam – You will be required to pass the final exam with a 70% in order to receive course credit.

    COURSE COMPLETION:
    Upon successful completion of this course you will be able to print your certificate online.

    ABOUT THE SUBJECT MATTER EXPERT:
    This course is created and brought to you by 360Training, a leading provider of accredited e – learning courses to working professionals through today’s leading schools, associations and corporations. 360Training’s high quality e – learning courses assist thousands of working professionals each month in a wide range of disciplines to succeed in today’s marketplace, renew licenses, acquire certification or prepare for a new profession.

    This course was created by the instructional design staff of 360Training in connection with field professionals that bring many years of experience in adult educational theory and distance learning technology to make the process of certification, compliance and training as convenient, engaging, and cost – effective as possible.

    If you have any requests for technical or instructional support, please contact the 360Training Support Department located in the HELP section of your account profile. Technical support inquiries are handled immediately and instructional support questions are returned within 24 business hours with answers provided by a qualified professional in your field through our network of subject matter experts.
    .

    1 $10

    Course Description

    Mutual funds are important investment instruments that have been essential to both individual and corporate investors for well over a century. Beginning with a brief overview of basic investment principles and the evolution of mutual funds, this course addresses the fundamentals of mutual funds, how they are categorized, their roles and functions, and their investment characteristics. Compliance and regulatory issues are also examined.

    LEARNING OBJECTIVES:
    Understand the history of mutual funds.
    Know the basic definition and workings of mutual funds.
    Recognize the various financial entities that work with mutual funds.
    Identify the impact and provisions of the Investment Companies Act of 1940, and its impact on mutual funds.
    Recognize different types of mutual funds.
    Identify the advantages and disadvantages of investing in mutual funds.
    Recognize compliance and regulatory elements governing mutual fund sales and programs.

    TOPICS COVERED:

  • Introduction
  • Lesson 1: Mutual Funds
  • Lesson 2: Mutual Funds in the Investment Companies Act of 1940
  • Lesson 3: Types of Mutual Funds
  • Lesson 4: Pros & Cons of Mutual Funds.

    REGULATORY REQUIREMENT:
    Please see the state/regulatory requirement from the course catalog page.

    SEAT TIME:
    This course has been approved for 5 hour.

    TESTING:
    Final Exam – You will be required to pass the final exam with a 70% in order to receive course credit.

    COURSE COMPLETION:
    Upon successful completion of this course you will be able to print your certificate online.

    ABOUT THE SUBJECT MATTER EXPERT:
    This course was created by MGL Consulting, a leading provider of registration and compliance services to the financial services industry, since 1984. MGL’s team of experienced professionals provide a wide range of products and services designed specifically for broker/dealers, investment advisors and insurance companies, including:

  • NASD, SEC and multi – state licensing and registration for broker/dealers
  • SEC and multi – state licensing for investment advisors
  • Insurance licensing, appointment and renewal services
  • Written Supervisory Procedures
  • Business Plan development
  • Business Continuity Plans
  • Regulatory Compliance Audits
  • Continuing Education Needs Analysis and Program Development
  • Financial Reporting
  • Annual Compliance Meeting Programs

    For more information regarding MGL Consulting and its services, please visit them online at www.mglconsulting.com.

  • 5 $10

    Course Description

    As a significant portion of the U.S. population ages, the topic of long term care is an increasingly hot topic being addressed by more and more individuals and families. This course takes an in – depth look at long term care (LTC) and long term insurance, ranging from a basic understanding of LTC to the complications that may arise in the absence of a policy. The advantages of policies and their features are weighed, and the differences between the policies offered by various institutions are discussed. It must be kept in mind that policy coverage, rules and regulations and conditions vary from company to company and state to state.

    LEARNING OBJECTIVES:

  • Understand what long term care entails in terms of physical and financial resources.
  • Identify the purpose and concept of LTC insurance.
  • Understand policy conditions, exclusions, rules and regulations.
  • Identify the different policy types, and what each policy offers by way of benefits, limitations and exclusions.
  • Recognize the function of care – providing facilities and entities, what level of care each provides, and how they are included in LTC policies.
  • Learn the role of the government in the LTC market through Social Security, Medicare and Medicaid.
  • Recognize how shifting demographics and costs impact the LTC insurance industry.
  • Understand how group policies differ from individual policies.

    TOPICS COVERED:

  • Introduction
  • Lesson 1: Introduction to Long – term Care Insurance (LTCi)
  • Lesson 2: Statistics and the Cost of Long – term Care
  • Lesson 3: Policies, Options and Needs
  • Lesson 4: Long – term Care Funding and Providers
    Lesson 5: How Medicare, Medicaid and HMOs Provide Long – term Care
    Lesson 6: Basic Policy Features
    Lesson 7: Understanding Long – term Care Insurance Benefits
    Lesson 8: Types of PoliciesLesson 9: Group Coverage
    Lesson 10: Long – term Care – related Issues.

    REGULATORY REQUIREMENT:
    Please see the state/regulatory requirement from the course catalog page.

    SEAT TIME:
    This course has been approved for 10 hours.

    TESTING:
    Final Exam: You will be required to pass the final exam with a 70% in order to receive course credit.

    COURSE COMPLETION:
    Upon successful completion of this course you will be able to print your certificate online.

    ABOUT THE SUBJECT MATTER EXPERT:

    EMMERT C. DAUGARD, M.A. CLU ChFC HIA MHP PAHM RHU REBC LIC
    SUMMARY:
    An accomplished speaker/trainer who has developed and taught many public insurance continuing education courses. Since 1988, designed and taught courses to over 25,000 insurance professionals. Held the insurance positions of agent/broker, manager, and corporate senior vice – president. Licensed for over 20 years in both property/casualty and life/health.

    EXPERIENCE:

  • Director, Center for Continuing Education, Austin, Texas
  • Manager/Senior Vice – – President, Sales/Marketing, Sheshunoff & Company, Austin, Texas
  • Vice President, Sales, Hawkeye Insurance Services, Des Moines, Iowa
  • District Manager, Farmers Insurance Group, California & Iow.

    EDUCATION and LICENSES:

  • Master of Arts, Business and Administration, Columbia Pacific University
  • Bachelor of Science, Mankato State University
  • Chartered Life Underwriter & Chartered Financial Counselor Designations
  • Registered Health Underwriter & Registered Employee Benefits Counselor Designations
  • Managed Healthcare Professional & Health Insurance Associate Designations
  • Associate in Insurance Claims
  • Professional, Academy of Healthcare Management
  • Currently Enrolled in Certified Employee Benefits Specialist Program, Wharton Business School
  • Holds insurance licenses for Life, Property/Casualty, MGA, All – lines Adjuster, and Life Insurance Counselor
    .

  • 5 $30

    Course Description

    This course provides an overview to the insurance students about four main types of insurance policies. The four policies Life, Health, Long Term Care and Disability Insurance are the most widely selling policies in the insurance industry.
    This course contains some valuable information about the principles of life, health, disability and long term care insurance policies, some important related definitions, needs for the purchase of different kinds of insurance policies, application process for applying these kids of insurance, their after effects and different sub forms of these insurance policies.

    LEARNING OBJECTIVES:
    Understand the mechanics of Life Insurance, its need and importance.
    Understand the application process.
    Understand the policy clauses.
    Differentiate between the various types of insurance companies.
    Understand the concepts of Whole Life Insurance, Joint Life Insurance etc.
    Identify the various types of Permanent Insurance.
    Compare Term and Permanent Insurance.
    Distinguish between various Policy Variations.
    Learn the mechanics of filing claims, receipt of proceeds.
    Understand the need for, and the mechanics of, Insurance Underwriting.

    TOPICS COVERED:

  • Introduction
  • Lesson 1: LIFE INSURANCE
  • Lesson 2: HEALTH INSURANCE
  • Lesson 3: LONG – TERM CARE INSURANCE
  • Lesson 4: DISABILITY INSURANCE.

    REGULATORY REQUIREMENT:
    Please see the state/regulatory requirement from the course catalog page.

    SEAT TIME:
    This course has been approved for 4 hours.

    TESTING:
    Final Exam: You will be required to pass the final exam with a 70% in order to receive course credit.

    COURSE COMPLETION:
    Upon successful completion of this course you will be able to print your certificate online.

    ABOUT THE SUBJECT MATTER EXPERT:

    EMMERT C. DAUGARD, M.A. CLU ChFC HIA MHP PAHM RHU REBC LIC
    SUMMARY:
    An accomplished speaker/trainer who has developed and taught many public insurance continuing education courses. Since 1988, designed and taught courses to over 25,000 insurance professionals. Held the insurance positions of agent/broker, manager, and corporate senior vice – president. Licensed for over 20 years in both property/casualty and life/health.

    EXPERIENCE:

  • Director, Center for Continuing Education, Austin, Texas
  • Manager/Senior Vice – – President, Sales/Marketing, Sheshunoff & Company, Austin, Texas
  • Vice President, Sales, Hawkeye Insurance Services, Des Moines, Iowa
  • District Manager, Farmers Insurance Group, California & Iow.

    EDUCATION and LICENSES:

  • Master of Arts, Business and Administration, Columbia Pacific University
  • Bachelor of Science, Mankato State University
  • Chartered Life Underwriter & Chartered Financial Counselor Designations
  • Registered Health Underwriter & Registered Employee Benefits Counselor Designations
  • Managed Healthcare Professional & Health Insurance Associate Designations
  • Associate in Insurance Claims
  • Professional, Academy of Healthcare Management
  • Currently Enrolled in Certified Employee Benefits Specialist Program, Wharton Business School
  • Holds insurance licenses for Life, Property/Casualty, MGA, All – lines Adjuster, and Life Insurance Counselor
    .

  • 4 $22.5

    Course Description

    This course provides an overview to the insurance students about four main types of insurance policies. The four policies Life, Health, Long Term Care and Disability Insurance are the most widely selling policies in the insurance industry.
    This course contains some valuable information about the principles of life, health, disability and long term care insurance policies, some important related definitions, needs for the purchase of different kinds of insurance policies, application process for applying these kids of insurance, their after effects and different sub forms of these insurance policies.

    LEARNING OBJECTIVES:
    Understand the mechanics of Life Insurance, its need and importance.
    Understand the application process.
    Understand the policy clauses.
    Differentiate between the various types of insurance companies.
    Understand the concepts of Whole Life Insurance, Joint Life Insurance etc.
    Identify the various types of Permanent Insurance.
    Compare Term and Permanent Insurance.
    Distinguish between various Policy Variations.
    Learn the mechanics of filing claims, receipt of proceeds.
    Understand the need for, and the mechanics of, Insurance Underwriting.

    TOPICS COVERED:

  • Introduction
  • Lesson 1: LIFE INSURANCE
  • Lesson 2: HEALTH INSURANCE
  • Lesson 3: LONG – TERM CARE INSURANCE
  • Lesson 4: DISABILITY INSURANCE.

    REGULATORY REQUIREMENT:
    Please see the state/regulatory requirement from the course catalog page.

    SEAT TIME:
    This course has been approved for 4 hours.

    TESTING:
    Final Exam: You will be required to pass the final exam with a 70% in order to receive course credit.

    COURSE COMPLETION:
    Upon successful completion of this course you will be able to print your certificate online.

    ABOUT THE SUBJECT MATTER EXPERT:

    EMMERT C. DAUGARD, M.A. CLU ChFC HIA MHP PAHM RHU REBC LIC
    SUMMARY:
    An accomplished speaker/trainer who has developed and taught many public insurance continuing education courses. Since 1988, designed and taught courses to over 25,000 insurance professionals. Held the insurance positions of agent/broker, manager, and corporate senior vice – president. Licensed for over 20 years in both property/casualty and life/health.

    EXPERIENCE:

  • Director, Center for Continuing Education, Austin, Texas
  • Manager/Senior Vice – – President, Sales/Marketing, Sheshunoff & Company, Austin, Texas
  • Vice President, Sales, Hawkeye Insurance Services, Des Moines, Iowa
  • District Manager, Farmers Insurance Group, California & Iow.

    EDUCATION and LICENSES:

  • Master of Arts, Business and Administration, Columbia Pacific University
  • Bachelor of Science, Mankato State University
  • Chartered Life Underwriter & Chartered Financial Counselor Designations
  • Registered Health Underwriter & Registered Employee Benefits Counselor Designations
  • Managed Healthcare Professional & Health Insurance Associate Designations
  • Associate in Insurance Claims
  • Professional, Academy of Healthcare Management
  • Currently Enrolled in Certified Employee Benefits Specialist Program, Wharton Business School
  • Holds insurance licenses for Life, Property/Casualty, MGA, All – lines Adjuster, and Life Insurance Counselor
    .

  • 4 $22.5

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